Unoccupied Insurance

We are unoccupied insurance specialists. If you need advice call us or request a quote online.

0845 365 1264

Quote Ref WS1

I want to insure my house or home whilst it is unoccupied:
I want to insure my commercial buildings whilst it is unoccupied:
Please all me back I need advice:

	Specialist advice to ensure you get the right cover at the right price		Commercial property cover available
	Comprehensive cover available right away		Cover during probate
	Theft & malicious damage caver can be included		Excellent premiums

There are some benefits to having an unoccupied property but not many. One benefit is that you may be eligible for free or reduced business rates. However unfortunately you will generally end up paying more for unoccupied property insurance.

Help is at hand: We at UKinsuranceNET have significant experience in dealing with your insurance requirements if your property is unoccupied. We can cover all of the following situations:-

• Property awaiting let.
• Houses undergoing renovation.
• Buildings temporarily unoccupied.
• Homes subject to probate.
• Property subject to power of attorney.
• Commercial building.
• Unoccupied home insurance.

Unoccupied property subject to probate
The most common reason for a property to be unoccupied is after the death of the occupant, generally whilst the property is subject to probate. We have a great deal of experience in dealing with this issue and although we generally deal with solicitors we are happy to guide relatives through the process.

Unoccupied house insurance whilst undergoing renovation

This is the second most common unoccupied insurance that we deal with. The major things that we take into consideration when looking at this particular area are

• What work is being carried out.
• Who is carrying out the building works.

If you are not using a building contractor too carry out the works you may find some insurers restrict cover to what is known as FLEE (Fire, Lightning, Earthquake, Escape of water) In addition they may apply rigid inspection requirements. To ensure that you get the right policy we suggest that you take advice.

Unoccupied property awaiting let

Often not covered by landlords insurance are the circumstance when a landlord finds a property unoccupied for more than a few weeks. Cover can be reduced to very basic levels or even cease entirely. if you expect a rented property to remain unoccupied for more than 30 days you must inform the insurance company to ensure that adequate cover is maintained.